Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 27, 2018

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Looking for cheaper insurance coverage rates for your Honda Civic? There isn’t anyone who looks forward to paying for insurance coverage, especially knowing they are paying too much.

Since people have many different company options, it’s difficult to choose the right insurance coverage provider.

Buy auto insurance online

There are multiple methods you can shop for auto insurance but some are easier and takes less work. You could waste a few hours driving to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.

Many insurance companies enroll in a system where insurance shoppers submit their information once, and every company returns a rated price based on the submitted data. This saves time by eliminating form submissions for each company.

To get comparison pricing now click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify the providers you want to price. So if you prefer to pick from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click to view list.

It’s up to you which method you use, but be sure you’re using identical quote data with each company. If you use different limits and deductibles on each one you will not be able to determine the lowest rate for your Honda Civic. Just a small difference in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that obtaining a wide range of quotes helps you find the best offered rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Earn discounts to get lower-cost insurance coverage quotes

Some providers don’t always publicize the entire discount list very well, so the list below contains some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you do not check that you are getting every discount possible, you are throwing money away.

  • Multi-policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may earn 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get reduced rates on Civic insurance.
  • First Accident Forgiveness – but some insurance companies permit an accident without the usual rate increase so long as you haven’t had any claims before the accident.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.

Discounts lower rates, but most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works. But any discount will positively reduce the cost of coverage.

Insurance companies that may offer many of the previously listed discounts possibly include:

When comparing rates, check with each company how you can save money. Some of the earlier mentioned discounts might not apply in your state.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions might help in determining whether you could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Does my 2001 Honda Civic need full coverage?
  • Where can I find high-risk insurance?
  • Is rental equipment covered for theft or damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What happens if I owe more than my 2001 Honda Civic is worth?
  • Is my teenager covered with friends in the car?
  • Should I bundle my homeowners policy with my auto?
  • How can I force my company to pay a claim?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Why you might pay higher rates

Many different elements are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but others are not as apparent such as whether you are married or your commute time.

The itemized list below are some of the most rate-impacting factors that factor into your prices.

  • High physical damage deductibles cost less – Insurance for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some coverage claims are running into the backend of another car, hitting a deer, and windstorm damage. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if you file a covered claim. The more money the insured has to pay upfront, the bigger discount you will receive on Civic insurance.
  • High credit history translates to low premiums – Having a bad credit rating is a large factor in your rate calculation. Drivers with very good credit scores tend to be more responsible and file fewer claims than those with lower credit ratings. Therefore, if your credit history leaves room for improvement, you could potentially save money when insuring your 2001 Honda Civic by taking the time to improve your credit score.
  • Teenage drivers are expensive to insure – Older people are more responsible, cause fewer claims and accidents , and usually have better credit.Beginning drivers have a tendency to be inattentive and easily distracted behind the wheel therefore insurance rates are much higher.
  • Continuous coverage lowers rates – Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance may result in a steep fine or even jail time.
  • Vehicles with better crash test results mean better premiums – Safe vehicles get lower rates. Safe vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders.

Enter your zip code below to view companies that have cheap auto insurance rates.

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What insurance coverages do you need?

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision coverages – Collision insurance pays for damage to your Civic caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverage – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, repair costs for stationary objects, medical services and loss of income. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, surgery, nursing services, chiropractic care and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, a broken windshield, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Honda Civic.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Buy Smart and Save

Cheaper 2001 Honda Civic insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide internet price quotes and these small, regional companies only sell coverage through independent agencies.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Additional insurance information can be found below: